Annexure VII Digital Banking

Annexure VII
Digital Banking Products

Service Charges (Excluding GST)
SL CARD/Charges Revised Charges w.e.f. 01.07.2023

NO
Debit/ ATM Card
1 Debit Card Issuance Presently, all cards are contactless card
Charge
A) Classic A) Classic - Rs.250/-

B) Platinum B) Platinum- Rs.250/-
C) Business Debit C) Visa Signature plastic- Rs. 250/-
D) NCMC Debit D) RuPay Select- Rs.800/-
E) Prepaid E) Visa Bingo-Rs.125/-
F) Travel Card F) Prepaid(Re-loadable)- Rs.100/-
G) Visa Signature G) Travel Card- 1% of loaded amount (Min.Rs.150/-)
(Plastic card) H) Gift Card(Non Re-loadable)- Rs.50/-
H) RuPay Select
I) Visa Signature Visa Signature metal card discontinued

(Metal card)
J)
1a Additional Card /
Replacement Card
Conversion of Mega
strip Card into EMV
Card
K) Classic A) Classic - Rs.250/-

L) Platinum B) Platinum- Rs.250/-
M) Business Debit C) Visa Signature- Rs.250/-
N) NCMC Debit D) RuPay Select- Rs.800/-
O) Prepaid E) Visa Bingo-Rs.125/-
P) Travel Card F) Prepaid(Re-loadable)- Rs.100/-
Q) Visa Signature G) Travel Card- 1% of loaded amount (Min.Rs.150/-)
(Plastic card) H) Gift Card(Non Re-loadable)- Rs.50/-
R) RuPay Select
S) Visa Signature Visa Signature metal card discontinued

(Metal card)
2 Issuance charges for :
Non-personalized card Classic/ Platinum : Free
(Ready Kits/ Welcome
Kits)/Platinum
Classic
NCMC Debit Card
Note: Over & above the charges, the applicable GST to be loaded while levying the Service Charges
Page 1 of 14
NO
3 Debit Card
Maintenance Charges
( Annual)
T) Platinum A) Classic - Rs.250/-

U) Business Debit B) Platinum- Rs.250/-
V) NCMC Debit C) Visa Signature- Rs. 250/-
Prepaid D) RuPay Select- Rs.800/-
Travel Card E) Visa Bingo-Rs.125/-
Visa Signature F) Prepaid(Re-loadable)- Rs.100/-
(Plastic card) G) Travel Card- 1% of loaded amount (Min.Rs.150/-)
RuPay Select
Visa Signature Service discontinued

(Metal card)
4 Debit Card Re-pin Rs.50/-
Charges
Green PIN Green Pin : Free

5 Surcharge (in case of NIL
Debit card usage) on
Fuel purchasing (From
Fuel station)
Surcharge (in case of NIL
Debit card usage) on
Railway ticket purchasing
(From IRCTC)
6 Debit Card in Concessional Accounts
a BSBDA opened under Debit Card Issuance Charge : Free
PMJDY
Scheme codes-
SB181/SB182/SB183/SB1 Annual Maintenance Charge :Free
04/SB105/SB106/SB190/
SB107
SB101 WITH
CHRG_LEVEL_CODE=”N
OMIN” and
CHRG_COLL_FLG=”N”as
per HOBC-111/39
b Jai Jawan Salary Plus Debit Card Issuance Charge : Free
Account Scheme
Scheme code-
SB161(commissioned Annual Maintenance Charge :Free
officers)
Scheme code SB
162(Non-Commissioned
officers)
Page 2 of 14
NO
c Para Military Forces Debit Card Issuance Charge : Free
Scheme code SB 163 &
Spl. Charge code 0201
Annual Maintenance Charge :Free
&
Employees of central &

sate govt.
universities/college
Scheme code SB163 &
Spl. Charge code-0202
&
Employees of public
sector undertaking
Scheme code SB163 &
d Pvt. Sector employee Debit Card Issuance Charge:

Scheme code SB163 &
Spl. Charge Code 0204 First Year(Issuance of Debit card): Free
&
Annual Maintenance Charge:
BOI Saral Salary account For Classis/NCMC: Rs.250/-
scheme
Scheme code SB165 & For Others : Rs.250/-
Spl. Charge code
0202,0203,0204
&
Star Gurukul Savings

account
Scheme code SB163 &

Spl. Charge Code- GURU
Credit Card
7 Issuance & Annual
Charges for -Visa Gold Rs.500.00
/Platinum International
Credit Card-Principal
8 Issuance & Annual
Charges for -Visa Gold / Rs.300.00
Platinum International
Credit Card
-Add on
9 Issuance charges for :
India Card(Master Credit Free
Card)- Principal/
Page 3 of 14
NO
-Add-on
10 Annual Maintenance
Charges on completion Free
of every year for :India
Card (Master Credit
Card) - Principal/ Add-on
11 Issuance & Annual 1000.00
Charges for - Master (International)
Credit Card- Principal 500.00
(Domestic)
12 Issuance & Annual 500.00
Charges for -Master (International)
Credit Card- Add on 300.00
(Domestic)
13 Issuance & Annual
Charges FREE
-RuPay Platinum
International Credit Card
- Principal FREE
Add- on card
14 Annual Charges
SwaDhan Platinum
International Credit Card FREE
- Principal
Including – Add-on Card
15 Replacement of Credit 300.00
Card(any variant)
Any variant excluding SwaDhan Card
16 Credit Card in Concessional Accounts (Special Charge Code)

a Jai Jawan Salary Plus Issuance Charge:
Account Scheme
Scheme code- For Commissioned Officer :
SB161(commissioned
officers) Rupay Platinum credit card : Free
Scheme code SB
162(Non-
Commissioned For Non Commissioned Officers:
officers)
Rupay Platinum Credit Card : Free
Annual Maintenance Charge: Free (in above mentioned cases)
Page 4 of 14
NO
b Para Military Forces Issuance Charge:
Scheme code SB 163
& Spl. Charge code Rupay Platinum Credit Card: Free
0201
&
Employees of central Note: Rupay Platinum credit card to be issued to those employees
& sate govt. whose net take home salary is Rs.25,000/- per month.
universities/college
Scheme code SB163 &
Spl. Charge code- Annual Maintenance charge :
0202
Applicable as per variant of card
&
Employees of public
sector undertaking
Scheme code SB163 &
&
Pvt. Sector employee
Scheme code SB163 &
SCC 0204
c BOI Saral Salary Issuance Charge:
account scheme
Scheme code SB165 & Rupay Platinum Credit Card: Free
SCC 0202,0203,0204
&
Note:
Star Gurukul Savings i. Rupay Platinum Credit card to be provided to those employees whose
account net take home salary of last 6 months is Rs.10,000/- & above.
ii. Rupay Platinum credit card to be provided to those employees whose
Scheme code SB163 & net take home salary of last 6 months is Rs.25,000/- and above.
Spl. Ch. Code - GURU
Annual Maintenance charge :
Applicable as per variant of card
Credit Card Related Misc. Charges

17 Interest free period For Cash Advance/Drawl against Cash advance: Nil
For Other Transactions: 21-51 days
(applicable only on retail purchases and if outstanding balance is paid
in full on due date)
Page 5 of 14
NO
18 Charges on Revolving Secured Credit (SwaDhan)
Credit 1.20% p.m. (15.40% p.a.) on daily balances
In case of default service charges is 1.70% p.m. (22.45 % p.a)
Unsecured Credit (Other than SwaDhan)

2% p.m. (24% p.a.) on daily balances
In case of default service charges is 3% p.m. (36% p.a)
19 Minimum Repayment1. Opted for Revolving Credit

Amount 10% of Total Outstanding, if revolving credit is opted + EMI (all EMI
due) + other amount due.
2. Not Opted for Revolving Credit
20% of Total Outstanding, if revolving credit is not opted + EMI (all
EMI due) + other amount due.
20 Cash Advance Limit / For both Principal and Add-on card:
50% of Spending Limit or available limit, whichever is lower
Loan Against Card Cash withdrawal upto 40% of spending limit of Primary card and upto
Limit 20% on Add-on Card.
Cash withdrawal per day Rs.50,000 for Platinum card and Rs.15,000 for
rest variant
One-time processing fees shall be charged along with first EMI.

21 Cash Advance Charges BOI ATM: 2% (minimum Rs. 50) for each transaction.
Other ATM: 2.5% (minimum Rs. 75) for each transaction.
Overseas ATM: 2.5% (minimum Rs. 125) for each transaction and
Currency Conversion Charges, presently 2%.
Interest on dues/overdue applicable

22 Star Easy Pay (EMI) Processing Charges – One-Time
1.0 % of the Purchase
Finance Charge
1.25 % of the Purchase
In case of default service charges is 2.50% p.m. (34.50 % p.a)

23 Balance Enquiry BOI ATM : Nil
Charges at ATM Other Bank ATM in India: Rs.20/-
Other Bank ATM Abroad: Rs.25/-
Nil
24 Charges on over limit Secured Credit (SwaDhan)
account 1.70% p.m. (22.45 % p.a) on daily balances
(Purchase / Cash)
Unsecured Credit (Other than SwaDhan)
3% p.m. (36% % p.a) on daily balances
25 Usage Over Spending 2% of over limit amount (Minimum Rs.250/-)
Limit
26 Outstation Cheque As per Cheque collection charges described in Annexure I.
Processing Charge
27 Payment Return As per Cheque Return Charge described in Annexure I.
Charges
Page 6 of 14
NO
28 PIN replacement Rs.50/- (per occasion)
Charges (Request at
Branch)
29 Duplicate Bill Charges Rs.50/- per quarter (after 12 months)
30 Retrieval of Charge Actual or Rs.100/- whichever is higher

Slip
31 Fuel Transaction 1.00 % of transaction amount or Actual charges claimed by the acquirer
Surcharge bank, whichever is higher.
32 Railway Ticket 1.00 % of transaction amount or Actual charges claimed by the acquirer
Purchase or bank, whichever is higher.
Cancellation Fee
33 Lounge Access As charged by Card Operators.
If card is used abroad, Currency Conversion charges shall also apply.
34 Foreign Currency 3% Currency Conversion Charges for all currencies, (excluding INR,
Transactions being home currency).
For all types of transaction, including cash withdrawal and transactions
through POS/e-commerce/online.
35 SMS Alerts SMS Alerts charges are on actual usage basis from the customers
registered for SMS Alerts as under:-
Charges are Quarterly
Upto 5 SMS Alerts Free
From 6 to 20 SMS Rs.10/- per quarter

Alerts
Above 20 SMS Alerts Rs.15/- per quarter
SMS Charges not applicable to A/cs of staff & Ex-Staff, A/cs

opened under Prime Minister Jan Dhan Yojana (PMJDY) & SB-
161-165 and SB-101 with Special Charge Code “NOMIN”. BSBD
Schemes, Pensioners, Senior Citizens, Salary A/cs
36 SMS International Actual cost of International SMS to be recovered.
Customers
37 IMPS Charges Outward: (Through Branch)
Amount of IMPS Charges

Upto Rs.1000/- NIL
Over Rs.1000/- upto Rs.1/- per Txn.
Rs.10,000/-
Over Rs.10,000/- up to Rs.2/- per Txn.
Rs.1.00 lac
Over Rs.1.00 lac upto Rs.3/- per Txn.
Rs.2.00 lac
Over Rs.2.00 lac upto Rs.5/- per Txn.
Rs.5.00 lac
IMPS Fund Transfer charges through Internet Banking/ Mobile

Banking : NIL
Page 7 of 14
NO
38 Decline of transaction Rs.20/- per failed transaction due to insufficient fund
on ATM due to (when used in other banks ATM )
insufficient fund.
39 Registration charges
for mandate on NACH Mandate Rs.
platform Registration 100.00
Charges.
Total Rs.
100.00
Note:-
Registration charges & signature verification charges for mandate on
NACH platform for contribution towards following schemes:-
i)Pradhan Mantri Kisan Maan-dhan Yojana (PM-KMY) : NIL

ii)Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM): NIL
iii)Pradhan Mantri Laghu Vyapari Maan-dhan Yojana(PM-LVMY) : NIL
40 Registration Charges
for Direct Debit Mandate Rs.200.00
mandate Registration
Charges
Total Rs.200.00
Note:-
Signature verification & Registration charges for Direct Debit mandate
for contribution towards following schemes:-

41 ECS/NACH return ECS/NACH Transaction return charges : Rs.250.00
Charges
Note:-
ECS return charges in account of contribution towards following
schemes:-
42 INWARD ECS NIL
Non-individual :
Credit Clearing (Per
entry/item) No Charge
NCC Clearing House No Charge
Destination Bank
Sponsor Bank Rs.5.50 Minimum Rs.3000/-
Page 8 of 14
NO
Debit Clearing (Per
entry/item)
NCC Clearing House No Charge
Destination Bank No Charge
Sponsor Bank Rs. 4.00

Minimum Rs. 2670/-
43 ATM/Debit Card Rs.125+2% currency conversion charges.

International Usage
Charges(Cash
withdrawal)
44 ATM/Debit card Rs.25/-

International Usage
Charges (Balance
enquiry)
45 a)Transactions based Revised Charges (Excluding GST)

charges on ATM
transactions in SB a) Monthly Limit SB A/cs.: Number of Free ATM Transactions
a/cs
Monthly Limit SB A/cs.: Number of Free ATM Transactions
(Both financial & Non - Financial Transactions) Charges in Rs.
Type of Other Bank’s Other Our ATM
Charges ATM Bank’s ATM 6 Metro & all
6 Metro centers Other centers centers
Set Limit for 3 5 10

monthly Free
Transaction
Charges (in
Rs.) for
financial trxns 21 21 10
beyond the set
limit
Charges (in
Rs.) for Non-
financial trxns 8 8 NIL
beyond the set
limit
Page 9 of 14
NO
2. These charges will not be applicable to Small/No Frill
Deposit Account holders (BSBD/No Frill Accounts, Jan dhan
Scheme (Present Scheme Code
SB181/SB182/SB183/SB104/SB105/SB106/SB190/SB107 & SB101 with
CHRG_LEVEL_CODE=”NOMIN” and CHRG_COLL_FLG=”N” as per
HOBC-111/39). These customers will continue to get 5 free transactions
on other bank ATM and 10 free on our ATM, irrespective of the center,
as hitherto. As also charges on non- financial transactions will now be
free on our own ATM irrespective of number of transactions.
b) Transactions based b) For Current/Overdraft account holders following charges

charges on ATM are applicable:-
transactions in
CC/OD/CD a/cs. Monthly Limit CD/OD A/cs.: Number of Free ATM Transactions
Type of Other Other Bank’s Our ATM
Charges Bank’s ATM ATM Other 6 Metro & all
6 Metro centers centers
centers
Set Limit for 3 5 10

monthly Free
Transaction
Charges (in Rs.)
for financial
21 21 10
trxns beyond
the set limit
Charges (in Rs.)
for Non-
beyond the set
limit
c) ATM Transaction based charges for Staff & Ex-staff in

Savings Bank & Overdraft Accounts:-
Monthly Limit SB/OD (Staff, Ex-Staff) A/cs.: Number of Free ATM

Transactions
Type of Other Bank’s Other Bank’s Our ATM
Charges ATM ATM Other 6 Metro & all
6 Metro centers centers
centers
Set Limit for
monthly Free 3 5 Unlimited
Transact-ion
Charges
(in Rs.)for 21 21 NIL
financial trxns
Page 10 of 14
NO
beyond the set
limit
Charges ( in
Rs.) for Non-
beyond the set
limit
Note: The number of transaction should not be counted as valid ATM

transactions on account of failed transaction due to technical reason
like hardware, software, communication issues; non-availability of
currency notes in the ATM; and other declines ascribable directly/wholly
to the bank/service provider; invalid PIN/ validations; etc.
46 Cash Handling Cash Deposit Charge at Cash Deposit Machine/Kiosks (CDM):
Charges for
SB/CA/CC/OD a/cs KCC & NPA accounts: NIL.
through Cash Recycler
Machine (CRM)
Cash Deposit Charge at Cash Deposit Machine/Kiosks (CDM):
SB accounts:
Financial inclusion accounts i.e. all accounts opened under Basic

Savings Bank Account (BSBD/No Frill Accounts), Jan dhan Scheme. The
Present Scheme Code:SB181/SB182/
SB183/SB104/SB105/SB106/SB190 / SB107 & SB101 with
CHRG_LEVEL_CODE=”NOMIN” and CHRG_COLL_FLG=”N” as per
HOBC-111/39): NIL
SB Accounts Other than Financial Inclusion/ Jan Dhan Accounts:
Cash Deposit First – 5 transactions per month:- Free.
Beyond 5 transaction (excluding alternate channel transaction) -

Rs.25/- per transaction.
Cash Deposit Charge at Cash Deposit Machine/Kiosks (CDM):
CD ( Deposit of Currency Notes) :

-Cash Deposit upto 1.00 lakh per account per day: FREE
-Cash Deposit above Rs.1.00 lakh per account per day

: Rs.0.75 per Rs.1000 or part thereof, Min Rs.75/-, Max Rs.10000/-.
Note: Charges to be applied on the total amount deposited per day.
Page 11 of 14
NO
CC/OD ( Deposit of Currency Notes) :
-Cash Deposit upto 1.50 lakh per account per day: FREE
-Cash Deposit above Rs.1.50 lakh per account per day:
: Rs.0.75 per Rs.1000 or part thereof, Min Rs.75/-, Max Rs.10000/-.
For Cash Deposit above Rs.10.00 lakhs per day CD /CC/OD

accounts:-
@Rs.1.50 per Rs.1000/- or part thereof, minimum Rs.1,500/- &

Maximum Rs.15,000/-
Cash deposit made at home and non-home branches (over cash

counter), cash Deposit Machines, Kiosks (even if deposited on previous
holidays) would be clubbed together to arrive at the free entitlement
and levy suitable charges as above.
Cash Handling on Tierised CD Accounts:
Category AQB Cash Handling Charges

(Revised)
NORMAL Below Rs.20,000/-
SILVER Rs. 20,000/- to less
than Rs.50,000/- *Normal charges to apply
GOLD Rs. 50,000/- to less
than Rs.1,00,000/-
GOLD Rs. 1,00,000/- to 70% of The Normal Charges
PLUS less than to Apply (30% Discount)
Rs.2,00,000/-
DIAMOND Rs. 2,00,000/- to 50% of The Normal Charges
less than to Apply (50% Discount)
Rs.5,00,000/-
DIAMOND Rs. 5,00,000/- to 40% of The Normal Charges
PLUS less than to Apply (60% Discount)
Rs.10,00,000/-
PLATINUM Rs.10,00,000/- to
less than FREE (100% Discount)
Rs.20,00,000/-
PLATINUM Rs. 20,00,000/-
FREE (100% Discount)
PLUS and above.
Page 12 of 14
NO
47 Stop Payment NIL
Instructions(Through
IB/MB)
48
NSDL/CDSL Charges TYPE OF SERVICES CHARGES
Account opening charges NIL
Account Closure charges NIL
Custody Charges (Equity & No custody fees

Debt)
Statement by e-mail Free
Mobile Alerts Free

Idea services of NSDL Free
Account Maintenance Rs.350/- yearly

Charges Rs.850/- Corporate
Individual staff – NIL
For BSDA Account AMC 1)Value of Holding upto Rs.50,000 –
(w.e.f 01.10.2012 Nil
2)Rs.50,001 to Rs.2,00,000 – Rs.100
3)Above Rs.2,00,000 – Normal AMC
Debt-CP/CD/G-Sec 4) Govt Bonds for Rs.50,000/- No
AMC (Additional)
Statement of account As per CDSL norms – Free

As per NSDL norms – Free
For additional statements Rs.25/-
each
If the total number of pages exceeds
10 (ten) per client ID, for each
additional page Rs.5/- shall been
charged.
Transaction Charges Sale Rs.24.50/- per transaction –
(Market/Off Market) For staff Rs.20/- per transaction
(Equity and Debt) (For late receipt of DIS Rs.50/- per
ISIN upfront on best effort basis)
Debt-CP/CD/G-Sec Sale Rs.250/- per transaction
Demat Request Charges Rs.5/- per certificate (Minimum

(per request per ISIN) Rs.50/-) + Courier / Handing
charges Rs.50/-
Internal Rejection Rs.100/- (NSDL

only)
Remat Request Charges Rs.50/- per request +
(per request per ISIN) courier/Handling Charges Rs.50/-
Page 13 of 14
NO
Pledge / Hypothecation Pledge Creation - Rs.50/-
Charges Pledge Closure - Rs.50/-
Pledge Invocation -Rs.250/-
Stop transfer of delivery Rs.10/- per slip, Minimum Rs.50/-
instruction slips (payable upfront)
KYC charges per Applicant Rs.50/-

– NSDL – NDML
In NSDL – for activating Rs.250/- upto 31.03.2009 (one time)

Demat account which are payable upfront
“suspended for Debit” for
non-submission PAN-
Compliance to KYC norms
– AMC not paid – any
other reason
Account Freezing/un- Rs.50/- per instance – (NSDL only)
freezing charges
Page 14 of 14

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Annexure VII

Digital Banking Products

SL CARD/Charges Revised Charges w.e.f. 01.07.2023

A) Classic A) Classic - Rs.250/-

I) Visa Signature Visa Signature metal card discontinued

K) Classic A) Classic - Rs.250/-

S) Visa Signature Visa Signature metal card discontinued

NCMC Debit Card

T) Platinum A) Classic - Rs.250/-

Visa Signature Service discontinued

Green PIN Green Pin : Free

Employees of central &

d Pvt. Sector employee Debit Card Issuance Charge:

Star Gurukul Savings

Scheme code SB163 &

16 Credit Card in Concessional Accounts (Special Charge Code)

Annual Maintenance Charge: Free (in above mentioned cases)

Applicable as per variant of card

Credit Card Related Misc. Charges

Unsecured Credit (Other than SwaDhan)

19 Minimum Repayment1. Opted for Revolving Credit

One-time processing fees shall be charged along with first EMI.

Interest on dues/overdue applicable

In case of default service charges is 2.50% p.m. (34.50 % p.a)

30 Retrieval of Charge Actual or Rs.100/- whichever is higher

From 6 to 20 SMS Rs.10/- per quarter

SMS Charges not applicable to A/cs of staff & Ex-Staff, A/cs

Amount of IMPS Charges

IMPS Fund Transfer charges through Internet Banking/ Mobile

i)Pradhan Mantri Kisan Maan-dhan Yojana (PM-KMY) : NIL

i)Pradhan Mantri Kisan Maan-dhan Yojana (PM-KMY) : NIL

Sponsor Bank Rs.5.50 Minimum Rs.3000/-

Sponsor Bank Rs. 4.00

43 ATM/Debit Card Rs.125+2% currency conversion charges.

44 ATM/Debit card Rs.25/-

45 a)Transactions based Revised Charges (Excluding GST)

Set Limit for 3 5 10

b) Transactions based b) For Current/Overdraft account holders following charges

Set Limit for 3 5 10

c) ATM Transaction based charges for Staff & Ex-staff in

Monthly Limit SB/OD (Staff, Ex-Staff) A/cs.: Number of Free ATM

Note: The number of transaction should not be counted as valid ATM

Financial inclusion accounts i.e. all accounts opened under Basic

SB Accounts Other than Financial Inclusion/ Jan Dhan Accounts:

Cash Deposit First – 5 transactions per month:- Free.

Beyond 5 transaction (excluding alternate channel transaction) -

Cash Deposit Charge at Cash Deposit Machine/Kiosks (CDM):

CD ( Deposit of Currency Notes) :

-Cash Deposit above Rs.1.00 lakh per account per day

Note: Charges to be applied on the total amount deposited per day.

-Cash Deposit above Rs.1.50 lakh per account per day:

: Rs.0.75 per Rs.1000 or part thereof, Min Rs.75/-, Max Rs.10000/-.

Note: Charges to be applied on the total amount deposited per day.

For Cash Deposit above Rs.10.00 lakhs per day CD /CC/OD

@Rs.1.50 per Rs.1000/- or part thereof, minimum Rs.1,500/- &

Note: Charges to be applied on the total amount deposited per day.

Cash deposit made at home and non-home branches (over cash

Cash Handling on Tierised CD Accounts:

Category AQB Cash Handling Charges

Account Closure charges NIL

Custody Charges (Equity & No custody fees

Mobile Alerts Free

Account Maintenance Rs.350/- yearly